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Get Your Insurance Claim Reviewed For Free
Not sure your insurer has made the right decision? Upload your documents and tell us what has happened. Our specialists will review your case and explain the options available to you.
Get Your Insurance Claim Reviewed For Free
Not sure your insurer has made the right decision? Upload your documents and tell us what has happened. Our specialists will review your case and explain the options available to you.
Your claim outcome
- 01 Claim rejected The insurer has refused all or part of your claim. →
- 02 Settlement too low The offer does not appear to reflect the insured loss. →
- 03 Claim delayed or stalled Progress has slowed, stopped or remains unresolved. →
- 04 Underinsurance reduction The insurer has reduced the claim using underinsurance or average. →
The insurer's reason
- 05 Non-disclosure alleged The insurer says important information was not disclosed. →
- 06 Policy exclusion applied An exclusion is being relied upon to refuse or restrict cover. →
- 07 Fraud allegation The insurer alleges dishonesty, exaggeration or a fraudulent claim. →
- 08 Wear & tear The insurer says deterioration rather than an insured event caused the damage. →
Property damage
- 01 Flood & storm damage Severe weather, roof damage, flooding, causation and repair scope. →
- 02 Escape of water & leaks Burst pipes, hidden leaks, trace-and-access, drying and reinstatement. →
- 03 Fire & smoke damage Fire cause, smoke contamination, rebuilding and settlement disputes. →
- 04 Subsidence & ground movement Cracking, foundations, trees, monitoring, causation and repair proposals. →
Theft, vehicle & other
Property & financial loss
Liability & specialist cover
Insurance companies
Claims handlers & PI insurers
- 05 Sedgwick Loss adjusting, claims management, reports and settlement positions. →
- 06 Crawford Technical reports, causation, valuation and complex loss disputes. →
- 07 Travelers Professional indemnity notification, coverage, defence and indemnity. →
- 08 Beazley Professional liability, pre-claim, defence and complex coverage issues. →
Before you submit
- 01 Financial Ombudsman overview Understand the complaint route, eligibility and where FOS may fit. →
- 02 Before you submit to FOS Build the chronology, evidence, disputed issues and requested outcome first. →
- 03 Resolve an insurance dispute Understand the insurer's decision, alternatives to FOS and which route may be strongest. →
Existing complaint & intelligence
- 04 Challenging a FOS decision Review an existing or unsuccessful complaint and consider the available routes. →
- 05 FOS Insurance Outcomes Monitor See current FOS outcome data, identify your stage and review what may remain. →
- 06 Insurance Claims Intelligence Explore FOS outcomes, FCA claims data, insurer intelligence and current dispute trends. →
- 07 Revisit the underlying insurer dispute Return to the policy, insurer reasoning and evidence that created the complaint. →
About Insurance Dispute Service
- 01 About IDS Our purpose, founder-led approach, regulatory position and standards. →
- 02 How we help How we assess a dispute, test the evidence and explain the available routes. →
- 03 Publications Specialist IDS publications covering difficult, rejected, underpaid and disputed insurance claims. →
- 04 Insurance dispute resolution Our broader approach to resolving an insurer disagreement strategically. →
Legal & professional support
- 05 Barristers & litigation Direct access, litigation support and specialist legal escalation where appropriate. →
- 06 Professional referrals Support for solicitors, advisers and professionals referring a client matter. →
- 07 Contact our team Speak to Insurance Dispute Service in Shrewsbury about a claim or enquiry. →
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